So if we're talking about the reasons I believe Cam's ceiling is higher, they'd be as follows:
1. He's entering his 5th year of real football, improving every year he's been on the team.
You have made a comment like this a few times and it seems off base. Newton is entering his 5th year in the NFL. But he played college football. You don't count his year at Auburn as "real football"? Or his year in junior college, when he led his team to the JC national championship? Or his two years at Florida, since he didn't play? And he also played high school football. I don't see how it is true that he played less "real football" entering his 5th NFL season than plenty of other NFL QBs.
Also, has Newton actually improved every year as you claim here? Based on what? For example, how did he improve from 2013 to 2014?
Finally, how does this show Newton has a higher ceiling than Wilson? Wilson hasn't stopped improving, either.
2. He's the healthiest he's ever been (no ankle surgeries to worry about or car crashes to heal from).
OK, so both Newton and Wilson are healthy. Newton's performance could improve with better health. But how does this support the idea that Newton has a higher ceiling?
3. They are beginning to put weapons around him finally.
This has already been addressed in other posts. Newton has had Olsen and either Steve Smith or Benjamin in every season of his career to date. That is better than what Wilson has had. Now Wilson has Graham, and Newton adds Funchess. This seems like a much better improvement for Wilson than Newton. How does this support the idea that Newton has a higher ceiling?
4. He has his contract and now all he has to do is perform.
How does this support the idea that Newton has a higher ceiling?
5. The team is now finally getting to a position where they can afford to keep their own and get FAs to fill gaps (out of cap hell).
Certainly, improving the roster around Newton could help him improve his performance. But how does it support the idea that Newton has a higher ceiling?
6. He's learned the leadership aspect of the game (if you are to believe the team, coaches and GM)
But Wilson is already a strong leader and has been from the time he entered the NFL. How does this support the idea that Newton has a higher ceiling?
Basically, your list boils down to Newton is improving, healthier than he has been at times in the past, and the team is improving around him. You are saying that illustrates that Newton has a higher ceiling, but it doesn't.
When talking about ceilings, we are talking about the maximum performance these guys could achieve. A lot of factors influence that, including health, work ethic, physical skills, intelligence, decision-making, surrounding players, and offensive scheme. I'm sure there are others I haven't listed.
In order to make a claim that one guy has a higher ceiling than another, you would need to be able to make a case that one is better than the other in many of these areas. Most of these things cannot be proven, but, if these criteria favor one of these guys over the other, IMO they favor Wilson, not Newton.